Follow the dollars · Assumption only
A complete cash picture for Dec 15, 2026
Your down payment$27,440Cash toward the purchase price.
Closing costs + prepaids$10,601Not just lender fees.
Before credits & paid funds$38,041The complete starting cash picture.
Estimated remaining funds due at closing
$38,041No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,439.76
Your down payment$27,439.76
Closing costs + prepaids$10,601.09
Total buyer cash needed$38,040.84
Remaining funds due$38,040.84
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$2,999.50
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,362.55
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$375.00
Prepaid interest, first (17 days)$646.04
Fees + prepaids$10,601.09
Your down payment is the seller’s equity. You take over the $272,510 balance, so the rest of the $299,950 price is paid at closing. A second mortgage can cover part of it. $38,040.84 is due at closing. Uses and sources reconcile at $310,551.09 each. Not a Closing Disclosure.